wait. jpmorgan has a 3% dividend. bank of america has given us barely anything right now. >> those are all quite valuable. i think rotating out of bac going into a financial other type but equal quality, so to speak, makes a lot of sense. but i think as it goes, the dow herery here or the implication of buying the dogs of the dow is not going to work presumptively in 2013. >> and you agree, too, jeff, huh? >> absolutely with hpq. listen. carter said it. they're in a dying business. and the businesses that they're in, they're not leading. if you're not leading, that's a recipe for underperforming. >> let me ask you both very quickly. last year if we were standing here, would either of you said that you thought b of a would have been the best performing dow this year? >> no way. >> jeff? >> absolutely not. >> your honor, i rest my case. happy new year, guys.